Moss vs Qonto (2026): which should you pick?

Pick Moss if

• Fits if you are an EU company that wants cards and payables together
• Works for teams that want unlimited users without per-seat fees

Look elsewhere if

• Pricey if you can't see a price, as the fee depends on modules and transaction volume
• Watch out: the free start on Cards or Accounts Payable has no terms on the page
• Not for you if you are outside the EU, as cards come from Moss GmbH in Germany and the site is aimed at EU firms
• Watch out: procurement, ERP, advanced controlling and AI accounting cost extra

Pick Qonto if

• Fits if you run a company in France, Germany, Spain, Italy, Austria, Belgium, Portugal or the Netherlands
• Works for small teams that want account, cards and invoices in one place

Look elsewhere if

• Skip it if you run a US-only business, because the country picker lists only those European countries
• Tight if you do many transfers: past the monthly allowance each costs €0.20 on Basic and Smart
• Pricey if you send money abroad, with 0.8% (min. €5) on outgoing standard-currency international transfers on Basic and Smart
• Watch out: prices are in euros excl. VAT, and monthly billing prices were not shown
• Watch out: extra virtual cards cost €1 to €2 a month, and incoming SWIFT above €500 costs €5

Moss

• No prices are published; the fee depends on modules, add-ons and expected monthly transactions.
• The page opens with a note about starting free with Cards or Accounts Payable but gives no terms.
• Cards are issued by Moss GmbH, regulated in Germany, and the site is aimed at EU businesses.
• Procurement, ERP, advanced controlling and AI accounting are paid add-ons.

Qonto

• Prices are in euros, excluding VAT, and the page shows monthly equivalents of annual plans; monthly billing exists but its prices were not shown.
• The country picker lists France, Germany, Spain, Italy, Austria, Belgium, Portugal and the Netherlands, so it is not for US-only businesses.
• Extra transfers cost €0.20 each beyond the monthly allowance on Basic and Smart, and extra virtual cards cost €1 to €2 a month.
• Incoming SWIFT transfers above €500 cost €5, and outgoing standard-currency international transfers cost 0.8% (min. €5) on Basic and Smart.

Moss

Corporate cards

Unlimited instant virtual cards with customizable controls, a real-time view of card spend and automatic receipt fetching with reminders.

Employee reimbursements

Approval rules and policies, AI-based data extraction from receipts, and payment from the Moss balance or through a SEPA file.

Accounts payable

Multi-step invoice approvals with routing, automatic matching to purchase orders and scheduled payments.

Add-on modules

Advanced controlling, procurement, ERP integration and AI-powered accounting can be added to the base platform.

Accounting integrations

The page says Moss connects with more than 50 finance tools, and standard accounting integrations are part of the platform.

Qonto

Business account with local IBAN

Sub-accounts on Smart and Premium each get their own IBAN, to separate budgets, taxes and activities.

Physical and virtual cards

Every plan includes physical and virtual cards; the One Card is included, with Card Plus (+€8 a month) and Metal Card X (+€20) as upgrades.

Transfers and direct debits

SEPA transfers, instant transfers and outgoing direct debits, plus international transfers in USD, GBP and CHF powered by Wise.

Invoicing and payments

Compliant electronic invoicing is on every plan, along with payment links, Tap to Pay and POS terminals for in-person payments.

Accounting and forecasting

Smart and Premium add accountant access, accounting integrations and cash-flow tracking and forecasting.

Account remuneration

Smart and Premium pay interest of 5% AER for 2 months, then 1.5% AER, with at least 5 eligible transactions a month.

Moss

Pricing could not be confirmed. See getmoss.com.

Qonto

• Basic€9

  per month excl. VAT, billed annually (€108 a year)

  Account with local IBAN, 30 transfers a month, 1 physical card and 2 virtual cards, payment links and e-invoicing.

• Smart€19

  per month excl. VAT, billed annually (€228 a year)

  Adds 1 sub-account, 100 transfers, 2 physical and 50 virtual cards, cash-flow forecasting and accountant access.

• Premium€39

  per month excl. VAT, billed annually (€468 a year)

  Adds 4 sub-accounts, 200 transfers, 50 Instant cards, subscription tracking, 0.56% FX and 7-day priority support.